Protec Roofing Inc

Bakersfield, CA
Financing brought to you by Protec Roofing Inc
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Break your project into predictable monthly payments

  • Start your project soon
    → Funding usually within 1-3 business days
  • Budget responsibly
    → Fixed monthly payments and no prepayment penalties
  • See eligibility without financial consequences
    → Pre-qualifying through Hearth doesn’t affect your credit score

1. Complete the loan request

Just answer a few questions to see available rates without affecting your credit score.

2. Review available payment options

You’ll see available personalized monthly payment options for your project. You can choose which one best suits your needs apply with the specific lending partner.

3. Get funded:

If approved, you will typically get the funds in your account within 1-3 business days. You’ll be able to pay your contractor and start the project!

Hearth’s lending partners consider factors such as income, FICO score, credit history, outstanding debt, and the loan amount requested when determining pre-qualification and rates.
Hearth has 3 rate plans that let you know what to expect when you pre-qualify. You’ll likely see options with APRs in the ranges listed below, but may receive options with lower or higher APRs.
Excellent Credit Plan: 700 - 850 FICO
Pre-qualification rate*Est. APR Range**Loan amountLoan termLending partners
90%5.34% - 16.30%$1,000 - $100,0001 - 10 years13
Good Credit Plan: 640 - 700 FICO
Pre-qualification rate*Est. APR Range**Loan amountLoan termLending partners
70%13.00% - 26.87%$1,000 - $100,0001 - 7 years11
Building Credit Plan: Below 640 FICO
Pre-qualification rate*Est. APR Range**Loan amountLoan termLending partners
39%19.95% - 30.61%$1,000 - $50,0001 - 5 years5
*For each self-reported credit score range, pre-qualification rate is calculated by dividing the number of pre-qualified Hearth users by the total number of users who submitted a loan request.
**For pre-qualified Hearth users with this credit score range, our lending partners returned loan options with this range of minimum APRs for the 65% of pre-qualified users with minimum APRs between the 10th and 75th percentiles.

Hearth is a technology company, which is licensed as a broker as may be required by state law. Hearth does not accept applications for credit, does not make loans, and does not make credit decisions. Hearth works with various lending partners to show customers available financing options; all loans subject to credit approval. Hearth is available nationwide, other than in Maryland, Nevada, North Dakota and Vermont.

  • Predictable monthly payments with fixed rates

  • Fast funding for a “can’t wait” project

  • Financing without using home equity

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